/* kalkulatorkonsolidacji.pl */
:root {
  --bg: #f5f6fb;
  --surface: rgba(255, 255, 255, .78);
  --surface-solid: #fff;
  --surface-2: #eef0f8;
  --line: rgba(20, 22, 50, .09);
  --line-strong: rgba(20, 22, 50, .16);
  --ink: #14162b;
  --ink-2: #4a4e6a;
  --ink-3: #7a7f9c;
  --brand: #6d5dfc;
  --brand-2: #22c3a6;
  --brand-ink: #5443e8;
  --brand-soft: rgba(109, 93, 252, .1);
  --ok: #0e9f7a;
  --ok-soft: rgba(14, 159, 122, .12);
  --mid: #d98a00;
  --mid-soft: rgba(217, 138, 0, .13);
  --bad: #e5484d;
  --bad-soft: rgba(229, 72, 77, .11);
  --c-now: #f07a5a;
  --c-new: #6d5dfc;
  --shadow: 0 1px 2px rgba(20, 22, 50, .05), 0 12px 32px -12px rgba(20, 22, 50, .18);
  --shadow-lg: 0 2px 4px rgba(20, 22, 50, .04), 0 30px 60px -20px rgba(40, 30, 120, .28);
  --r: 20px;
  --r-sm: 12px;
  --font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --mono: ui-monospace, "SF Mono", "Cascadia Mono", Menlo, monospace;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0c0d16;
    --surface: rgba(24, 26, 42, .72);
    --surface-solid: #171927;
    --surface-2: #1f2235;
    --line: rgba(255, 255, 255, .08);
    --line-strong: rgba(255, 255, 255, .16);
    --ink: #eef0fb;
    --ink-2: #b4b8d4;
    --ink-3: #8287a6;
    --brand: #8b7dff;
    --brand-2: #2fd8b8;
    --brand-ink: #a99fff;
    --brand-soft: rgba(139, 125, 255, .16);
    --ok: #2fd39f;
    --ok-soft: rgba(47, 211, 159, .14);
    --mid: #ffb84d;
    --mid-soft: rgba(255, 184, 77, .14);
    --bad: #ff6b70;
    --bad-soft: rgba(255, 107, 112, .14);
    --c-now: #ff9473;
    --c-new: #9d91ff;
    --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 12px 32px -12px rgba(0, 0, 0, .6);
    --shadow-lg: 0 30px 60px -20px rgba(0, 0, 0, .7);
    color-scheme: dark;
  }
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }
body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.6 var(--font); text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; overflow-x: clip; }
h1, h2, h3, p, li, dd { overflow-wrap: anywhere; }
a { color: var(--brand-ink); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
img, svg { max-width: 100%; }
button, input, select { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); outline-offset: 2px; border-radius: 8px; }

.bg-mesh { position: fixed; inset: 0; z-index: -1; pointer-events: none; background:
  radial-gradient(40rem 28rem at 8% -6%, color-mix(in srgb, var(--brand) 22%, transparent), transparent 70%),
  radial-gradient(34rem 26rem at 96% 4%, color-mix(in srgb, var(--brand-2) 18%, transparent), transparent 70%),
  radial-gradient(30rem 30rem at 70% 110%, color-mix(in srgb, var(--brand) 10%, transparent), transparent 70%); }

.wrap { width: min(1200px, 100% - 32px); margin-inline: auto; }
.wrap.narrow { width: min(780px, 100% - 32px); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--surface-solid); padding: 8px 14px; border-radius: 10px; z-index: 50; }
.skip:focus { left: 8px; }

/* ---------- nagłówek */
.site-header { position: sticky; top: 0; z-index: 30; backdrop-filter: saturate(1.6) blur(16px); -webkit-backdrop-filter: saturate(1.6) blur(16px); background: color-mix(in srgb, var(--bg) 72%, transparent); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 64px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-weight: 650; letter-spacing: -.01em; font-size: 17px; white-space: nowrap; }
.logo-mark { width: 34px; height: 34px; flex: none; }
.logo b { font-weight: 800; background: linear-gradient(90deg, var(--brand), var(--brand-2)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.logo i { font-style: normal; color: var(--ink-3); font-weight: 500; }
.nav-desktop { display: flex; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav-desktop a, .nav-mobile a { display: block; padding: 8px 12px; border-radius: 10px; color: var(--ink-2); text-decoration: none; font-size: 15px; font-weight: 500; }
.nav-desktop a:hover { background: var(--surface-2); color: var(--ink); }
.nav a[aria-current="page"] { color: var(--brand-ink); background: var(--brand-soft); }
.nav-mobile { display: none; position: relative; }
.nav-mobile summary { list-style: none; cursor: pointer; width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; border: 1px solid var(--line-strong); background: var(--surface); }
.nav-mobile summary::-webkit-details-marker { display: none; }
.nav-mobile summary span, .nav-mobile summary span::before, .nav-mobile summary span::after { display: block; width: 18px; height: 2px; border-radius: 2px; background: var(--ink); position: relative; transition: transform .2s; }
.nav-mobile summary span::before, .nav-mobile summary span::after { content: ""; position: absolute; }
.nav-mobile summary span::before { top: -6px; } .nav-mobile summary span::after { top: 6px; }
.nav-mobile[open] summary span { background: transparent; }
.nav-mobile[open] summary span::before { transform: translateY(6px) rotate(45deg); }
.nav-mobile[open] summary span::after { transform: translateY(-6px) rotate(-45deg); }
.nav-mobile ul { position: absolute; right: 0; top: 52px; list-style: none; margin: 0; padding: 8px; width: min(280px, calc(100vw - 32px)); background: var(--surface-solid); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lg); }
@media (max-width: 1020px) { .nav-desktop { display: none; } .nav-mobile { display: block; } }

/* ---------- przyciski */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 20px; border-radius: 14px; font-weight: 600; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: transform .15s, box-shadow .2s, background .2s; font-size: 15px; line-height: 1.2; }
.btn:active { transform: translateY(1px) scale(.99); }
.btn-primary { color: #fff; background: linear-gradient(135deg, var(--brand), color-mix(in srgb, var(--brand) 55%, var(--brand-2))); box-shadow: 0 8px 24px -8px color-mix(in srgb, var(--brand) 70%, transparent); }
.btn-primary:hover { box-shadow: 0 12px 30px -8px color-mix(in srgb, var(--brand) 80%, transparent); transform: translateY(-1px); }
.btn-ghost { color: var(--ink); background: var(--surface); border-color: var(--line-strong); backdrop-filter: blur(8px); }
.btn-ghost:hover { border-color: var(--brand); }
.btn-soft { color: var(--brand-ink); background: var(--brand-soft); padding: 10px 16px; }
.btn-soft:hover { background: color-mix(in srgb, var(--brand) 18%, transparent); }
.link-btn { background: none; border: 0; padding: 0; color: var(--brand-ink); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }

/* ---------- hero */
.hero { padding: 56px 0 28px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; margin: 0 0 18px; padding: 6px 12px; border-radius: 999px; background: var(--surface); border: 1px solid var(--line); font-size: 13px; color: var(--ink-2); font-weight: 500; }
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--brand-2); box-shadow: 0 0 0 4px color-mix(in srgb, var(--brand-2) 22%, transparent); animation: pulse 2.4s infinite; }
@keyframes pulse { 50% { box-shadow: 0 0 0 7px color-mix(in srgb, var(--brand-2) 6%, transparent); } }
.hero h1 { font-size: clamp(34px, 5.2vw, 60px); line-height: 1.04; letter-spacing: -.035em; margin: 0 0 18px; font-weight: 800; }
.grad { background: linear-gradient(100deg, var(--brand) 10%, var(--brand-2) 90%); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-lead { font-size: 19px; color: var(--ink-2); margin: 0 0 26px; max-width: 36em; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-points { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.hero-points li { display: flex; gap: 14px; padding: 16px 18px; border-radius: var(--r); background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); backdrop-filter: blur(12px); }
.hero-points li:nth-child(2) { margin-left: 28px; } .hero-points li:nth-child(3) { margin-left: 56px; }
.hp-ico { flex: none; width: 36px; height: 36px; border-radius: 11px; display: grid; place-items: center; background: linear-gradient(135deg, var(--brand), var(--brand-2)); color: #fff; font-weight: 700; }
.hero-points b { display: block; } .hero-points p { margin: 2px 0 0; color: var(--ink-2); font-size: 14px; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: 28px; } .hero-points li:nth-child(n) { margin-left: 0; } .hero { padding-top: 36px; } }

/* ---------- kalkulator */
.calc-section { padding: 20px 0 56px; }
.calc-layout { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, 1fr); gap: 24px; align-items: start; }
@media (max-width: 1020px) { .calc-layout { grid-template-columns: 1fr; } }
.calc { display: grid; gap: 18px; min-width: 0; }
.step { margin: 0; padding: 24px; border-radius: var(--r); background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); min-width: 0; }
.step legend { float: left; width: 100%; display: flex; align-items: center; gap: 12px; padding: 0; margin: 0 0 18px; font-size: 19px; font-weight: 700; letter-spacing: -.01em; }
.step legend ~ * { clear: both; }
.step-no { flex: none; width: 30px; height: 30px; border-radius: 10px; display: grid; place-items: center; font-size: 15px; color: #fff; background: linear-gradient(135deg, var(--brand), var(--brand-2)); }
.count { display: inline-grid; place-items: center; min-width: 24px; height: 24px; padding: 0 7px; margin-left: 4px; border-radius: 999px; font-size: 13px; background: var(--surface-2); color: var(--ink-2); vertical-align: 2px; }
.hint { margin: 14px 0 0; font-size: 14px; color: var(--ink-3); }
.hint.top { margin: 0 0 16px; }

.goal { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
@media (max-width: 560px) { .goal { grid-template-columns: 1fr; } }
.goal-opt input { position: absolute; opacity: 0; pointer-events: none; }
.goal-card { display: grid; gap: 4px; height: 100%; padding: 16px; border-radius: 16px; border: 1.5px solid var(--line-strong); background: var(--surface-solid); cursor: pointer; transition: border-color .2s, box-shadow .2s, transform .15s; }
.goal-card:hover { border-color: color-mix(in srgb, var(--brand) 50%, var(--line-strong)); }
.goal-card b { font-size: 16px; } .goal-card small { color: var(--ink-3); font-size: 13px; line-height: 1.4; }
.goal-ico { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: var(--surface-2); margin-bottom: 6px; transition: background .2s; }
.goal-ico svg { width: 20px; height: 20px; fill: none; stroke: var(--ink-2); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.goal-opt input:checked + .goal-card { border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft), var(--shadow); }
.goal-opt input:checked + .goal-card .goal-ico { background: linear-gradient(135deg, var(--brand), var(--brand-2)); }
.goal-opt input:checked + .goal-card .goal-ico svg { stroke: #fff; }
.goal-opt input:focus-visible + .goal-card { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); outline-offset: 2px; }

.example-flag { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 8px; margin: 0 0 14px; padding: 10px 14px; border-radius: 12px; background: var(--mid-soft); font-size: 14px; color: var(--ink-2); }
.debts { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.debt { padding: 16px; border-radius: 16px; background: var(--surface-solid); border: 1px solid var(--line); }
.debt-head { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-bottom: 14px; }
.debt-no { font-weight: 650; font-size: 14px; color: var(--ink-2); margin-right: auto; }
.seg { display: inline-flex; padding: 3px; border-radius: 11px; background: var(--surface-2); gap: 2px; order: 3; width: 100%; }
.seg-btn { flex: 1; border: 0; background: transparent; padding: 7px 10px; border-radius: 9px; font-size: 13px; font-weight: 550; color: var(--ink-2); cursor: pointer; transition: background .2s, color .2s, box-shadow .2s; }
.seg-btn[aria-checked="true"] { background: var(--surface-solid); color: var(--ink); box-shadow: 0 1px 3px rgba(20, 22, 50, .14); }
.debt-remove { width: 32px; height: 32px; border-radius: 10px; border: 1px solid var(--line); background: transparent; color: var(--ink-3); cursor: pointer; flex: none; }
.debt-remove:hover { color: var(--bad); border-color: var(--bad); background: var(--bad-soft); }
.debt-fields { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.debt[data-type="raty"] .f-odn, .debt[data-type="odn"] .f-raty { display: none; }
.debt[data-type="raty"] > .debt-fields { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 640px) { .debt-fields { grid-template-columns: repeat(2, minmax(0, 1fr)); } .debt[data-type="odn"] > .debt-fields > :first-child, .debt-extra .debt-fields > :last-child { grid-column: 1 / -1; } }
.field em { font-style: normal; font-weight: 500; font-size: 11.5px; color: var(--ink-3); margin-left: 4px; }
.field em.req { color: var(--brand-ink); }
.debt-extra { margin-top: 14px; padding-top: 12px; border-top: 1px dashed var(--line-strong); }
.debt-extra-title { margin: 0 0 10px; font-size: 13px; font-weight: 650; color: var(--ink); }
.debt-extra-title span { font-weight: 400; color: var(--ink-3); }
.debt[data-type="odn"] .debt-extra { display: none; }
.debt-info { margin: 12px 0 0; padding: 9px 12px; border-radius: 10px; font-size: 13.5px; background: var(--surface-2); color: var(--ink-2); }
.debt-info.good { background: var(--ok-soft); }
.debt-info.warn { background: var(--mid-soft); }
.debt-info b { color: var(--ink); font-variant-numeric: tabular-nums; }
.debts-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 14px; }

.field { display: grid; gap: 6px; font-size: 13px; font-weight: 550; color: var(--ink-2); min-width: 0; }
.field small { font-weight: 400; color: var(--ink-3); font-size: 12.5px; line-height: 1.45; }
.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap input { width: 100%; min-width: 0; padding: 11px 40px 11px 13px; border-radius: 12px; border: 1.5px solid var(--line-strong); background: var(--surface-solid); font-size: 16px; font-weight: 600; font-variant-numeric: tabular-nums; transition: border-color .2s, box-shadow .2s; }
.input-wrap input::placeholder { color: var(--ink-3); font-weight: 400; opacity: .8; }
.input-wrap input:hover { border-color: color-mix(in srgb, var(--brand) 40%, var(--line-strong)); }
.input-wrap input:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft); }
.input-wrap i { position: absolute; right: 12px; font-style: normal; color: var(--ink-3); font-size: 13px; pointer-events: none; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 640px) { .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .grid-3 > :last-child { grid-column: 1 / -1; } .grid-2 { grid-template-columns: 1fr; } }

.switch { display: flex; align-items: center; gap: 12px; margin: 16px 0 4px; font-size: 14px; color: var(--ink-2); cursor: pointer; }
.switch input { position: absolute; opacity: 0; }
.sw { flex: none; width: 44px; height: 26px; border-radius: 999px; background: var(--line-strong); position: relative; transition: background .2s; }
.sw::after { content: ""; position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0, 0, 0, .25); transition: transform .2s cubic-bezier(.2, .8, .2, 1); }
.switch input:checked + .sw { background: linear-gradient(135deg, var(--brand), var(--brand-2)); }
.switch input:checked + .sw::after { transform: translateX(18px); }
.switch input:focus-visible + .sw { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); outline-offset: 2px; }

.range-field { margin-top: 18px; grid-template-columns: 1fr auto; align-items: baseline; }
.range-field output { font-weight: 700; color: var(--ink); font-size: 15px; font-variant-numeric: tabular-nums; }
.range-field input, .range-scale { grid-column: 1 / -1; }
input[type="range"] { --fill: 32%; -webkit-appearance: none; appearance: none; width: 100%; height: 30px; background: transparent; cursor: pointer; margin: 4px 0 0; }
input[type="range"]::-webkit-slider-runnable-track { height: 8px; border-radius: 99px; background: linear-gradient(90deg, var(--brand), var(--brand-2)) 0 / var(--fill) 100% no-repeat, var(--surface-2); }
input[type="range"]::-moz-range-track { height: 8px; border-radius: 99px; background: var(--surface-2); }
input[type="range"]::-moz-range-progress { height: 8px; border-radius: 99px; background: linear-gradient(90deg, var(--brand), var(--brand-2)); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; margin-top: -9px; border-radius: 50%; background: #fff; border: 3px solid var(--brand); box-shadow: 0 4px 12px -2px color-mix(in srgb, var(--brand) 60%, transparent); transition: transform .15s; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 3px solid var(--brand); }
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.12); }
.range-scale { display: flex; justify-content: space-between; font-size: 12px; color: var(--ink-3); font-weight: 400; }

.advanced { margin-top: 18px; border-top: 1px dashed var(--line-strong); padding-top: 14px; }
.advanced summary { cursor: pointer; font-weight: 600; font-size: 14px; color: var(--brand-ink); list-style: none; }
.advanced summary::-webkit-details-marker { display: none; }
.advanced summary::before { content: "＋ "; }
.advanced[open] summary::before { content: "－ "; }
.advanced .grid-2 { margin-top: 14px; }

/* ---------- wynik */
.result { position: sticky; top: 84px; padding: 24px; border-radius: 24px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-lg); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); min-width: 0; max-height: calc(100vh - 100px); overflow: auto; scrollbar-width: thin; }
@media (max-width: 1020px) { .result { position: static; max-height: none; } }
.result-empty { display: none; text-align: center; padding: 36px 12px; color: var(--ink-3); }
.result.empty .result-empty { display: block; } .result.empty .result-body { display: none; }
.re-ico { display: inline-grid; place-items: center; width: 56px; height: 56px; border-radius: 18px; background: var(--brand-soft); color: var(--brand-ink); font-size: 26px; margin-bottom: 8px; }

.verdict { display: flex; gap: 14px; padding: 18px; border-radius: 18px; margin-bottom: 16px; position: relative; overflow: hidden; }
.verdict::before { content: ""; position: absolute; inset: 0; opacity: .9; z-index: -1; }
.verdict.ok { background: var(--ok-soft); } .verdict.mid { background: var(--mid-soft); } .verdict.bad { background: var(--bad-soft); }
.v-icon { flex: none; width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center; font-size: 22px; font-weight: 800; color: #fff; }
.verdict.ok .v-icon { background: var(--ok); box-shadow: 0 8px 20px -6px var(--ok); }
.verdict.mid .v-icon { background: var(--mid); box-shadow: 0 8px 20px -6px var(--mid); }
.verdict.bad .v-icon { background: var(--bad); box-shadow: 0 8px 20px -6px var(--bad); }
.v-goal { margin: 0; font-size: 12px; font-weight: 650; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-3); }
.v-title { margin: 2px 0 6px; font-size: 21px; line-height: 1.2; letter-spacing: -.015em; }
.v-text { margin: 0; color: var(--ink-2); font-size: 15px; }
.v-text b { color: var(--ink); }

.kpis { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 520px) { .kpis { grid-template-columns: 1fr; } }
.kpi { padding: 14px 16px; border-radius: 16px; background: var(--surface-solid); border: 1px solid var(--line); position: relative; }
.kpi.is-goal { border-color: color-mix(in srgb, var(--brand) 45%, var(--line)); box-shadow: 0 0 0 3px var(--brand-soft); }
.kpi.is-goal::after { content: "Twój cel"; position: absolute; top: -9px; right: 12px; padding: 1px 8px; border-radius: 99px; font-size: 11px; font-weight: 650; color: #fff; background: var(--brand); }
.kpi-label { margin: 0 0 8px; font-size: 13px; font-weight: 600; color: var(--ink-2); }
.kpi-row { display: flex; align-items: flex-end; gap: 8px; flex-wrap: wrap; }
.kpi-row span:not(.arrow) { display: grid; }
.kpi-row small { font-size: 11px; color: var(--ink-3); }
.kpi-row b { font-size: 18px; font-variant-numeric: tabular-nums; letter-spacing: -.01em; white-space: nowrap; color: var(--ink-2); }
.kpi-row b.new { font-size: 24px; color: var(--ink); }
.arrow { color: var(--ink-3); padding-bottom: 3px; }
.delta { margin: 8px 0 0; display: inline-block; padding: 2px 9px; border-radius: 99px; font-size: 13px; font-weight: 650; font-variant-numeric: tabular-nums; }
.delta.up { color: var(--ok); background: var(--ok-soft); } .delta.down { color: var(--bad); background: var(--bad-soft); }
.r-time { margin: 14px 2px 0; font-size: 14px; color: var(--ink-2); }

.tips { list-style: none; margin: 16px 0 0; padding: 0; display: grid; gap: 10px; }
.tip { padding: 12px 14px 12px 16px; border-radius: 14px; background: var(--surface-solid); border: 1px solid var(--line); border-left: 4px solid var(--brand); font-size: 14px; }
.tip.good { border-left-color: var(--ok); } .tip.warn { border-left-color: var(--mid); }
.tip b { display: block; font-size: 14.5px; } .tip p { margin: 3px 0 0; color: var(--ink-2); }
.tip-act { margin-top: 8px; border: 0; border-radius: 9px; padding: 6px 12px; font-size: 13px; font-weight: 650; cursor: pointer; color: var(--brand-ink); background: var(--brand-soft); }
.tip-act:hover { background: color-mix(in srgb, var(--brand) 20%, transparent); }

.charts { margin-top: 18px; display: grid; gap: 14px; }
.chart { margin: 0; padding: 14px 14px 8px; border-radius: 16px; background: var(--surface-solid); border: 1px solid var(--line); }
.chart figcaption { font-size: 13px; font-weight: 650; color: var(--ink-2); margin-bottom: 4px; }
.chart-box { position: relative; }
.chart svg { display: block; width: 100%; height: auto; touch-action: pan-y; }
.chart .grid { stroke: var(--line); stroke-width: 1; }
.chart .ax { fill: var(--ink-3); font-size: 11px; font-family: var(--font); }
.chart .hover-line { stroke: var(--ink-3); stroke-dasharray: 3 4; }
.chart-tip { position: absolute; top: 4px; transform: translateX(-50%); display: grid; gap: 2px; padding: 8px 10px; border-radius: 10px; background: var(--ink); color: var(--bg); font-size: 12px; pointer-events: none; white-space: nowrap; box-shadow: var(--shadow); z-index: 2; }
.chart-tip span { display: flex; align-items: center; gap: 6px; } .chart-tip i { width: 8px; height: 8px; border-radius: 50%; }
.legend { display: flex; gap: 18px; margin: 0; font-size: 13px; color: var(--ink-2); justify-content: center; }
.legend span { display: inline-flex; align-items: center; gap: 6px; }
.legend i { width: 18px; height: 4px; border-radius: 4px; } .l-now { background: var(--c-now); } .l-new { background: var(--c-new); }

.details-box { margin-top: 14px; border-radius: 14px; background: var(--surface-solid); border: 1px solid var(--line); padding: 12px 16px; }
.details-box summary { cursor: pointer; font-weight: 600; font-size: 14px; }
.details-box dl { margin: 10px 0 0; display: grid; gap: 6px; }
.details-box dl div { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; border-bottom: 1px dashed var(--line); padding-bottom: 6px; }
.details-box dt { color: var(--ink-2); } .details-box dd { margin: 0; font-weight: 650; font-variant-numeric: tabular-nums; text-align: right; }
.result-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.result-note { margin: 14px 0 0; font-size: 12.5px; color: var(--ink-3); }

.mobile-bar { display: none; }
@media (max-width: 1020px) {
  .mobile-bar:not([hidden]) { display: flex; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40; align-items: center; gap: 12px; padding: 12px 16px; border-radius: 18px; border: 1px solid var(--line); background: color-mix(in srgb, var(--surface-solid) 88%, transparent); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); box-shadow: var(--shadow-lg); text-align: left; cursor: pointer; }
  .mobile-bar > span:nth-child(2) { flex: 1; min-width: 0; display: grid; }
  .mb-title { font-size: 14px; } .mb-sub { color: var(--ink-3); font-size: 12.5px; }
  .mb-dot { width: 12px; height: 12px; border-radius: 50%; flex: none; }
  .mobile-bar.ok .mb-dot { background: var(--ok); } .mobile-bar.mid .mb-dot { background: var(--mid); } .mobile-bar.bad .mb-dot { background: var(--bad); }
  body:has(.mobile-bar:not([hidden])) .site-footer { padding-bottom: 96px; }
}
.toast { position: fixed; left: 50%; bottom: 24px; transform: translate(-50%, 20px); opacity: 0; padding: 10px 18px; border-radius: 12px; background: var(--ink); color: var(--bg); font-size: 14px; font-weight: 600; z-index: 60; transition: opacity .25s, transform .25s; }
.toast.show { opacity: 1; transform: translate(-50%, 0); }

/* ---------- sekcje strony głównej */
.section-title { font-size: clamp(26px, 3.4vw, 36px); letter-spacing: -.025em; margin: 0 0 22px; }
.how, .guides { padding: 28px 0 40px; }
.bento { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.bento-card { padding: 22px; border-radius: var(--r); background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); backdrop-filter: blur(12px); }
.bento-card.b-wide { grid-column: span 2; }
.bento-card h3 { margin: 0 0 8px; font-size: 18px; letter-spacing: -.01em; } .bento-card p { margin: 0; color: var(--ink-2); }
.bento-card.accent { background: linear-gradient(135deg, color-mix(in srgb, var(--brand) 92%, #000), color-mix(in srgb, var(--brand-2) 85%, #000)); color: #fff; border: 0; }
.bento-card.accent p { color: rgba(255, 255, 255, .86); }
@media (max-width: 820px) { .bento { grid-template-columns: 1fr; } .bento-card.b-wide { grid-column: auto; } }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 14px; }
.card { display: flex; flex-direction: column; gap: 6px; padding: 22px; border-radius: var(--r); background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); color: var(--ink); text-decoration: none; transition: transform .2s, box-shadow .2s, border-color .2s; backdrop-filter: blur(12px); }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: color-mix(in srgb, var(--brand) 40%, var(--line)); }
.card-kicker { font-size: 12px; font-weight: 650; text-transform: uppercase; letter-spacing: .06em; color: var(--brand-ink); }
.card h3 { margin: 0; font-size: 18px; letter-spacing: -.01em; line-height: 1.3; } .card p { margin: 0; color: var(--ink-2); font-size: 15px; flex: 1; }
.card .more { font-weight: 650; color: var(--brand-ink); font-size: 14px; }
.sister { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; margin-top: 18px; padding: 20px 22px; border-radius: var(--r); border: 1px dashed var(--line-strong); }
.sister p { margin: 4px 0 0; color: var(--ink-2); font-size: 15px; max-width: 46em; }

/* ---------- podstrony */
.crumbs { display: flex; gap: 8px; flex-wrap: wrap; font-size: 14px; color: var(--ink-3); margin: 32px 0 14px; }
.crumbs a { color: var(--ink-2); }
.prose { padding: 0 0 20px; }
.prose h1 { font-size: clamp(30px, 4.4vw, 46px); line-height: 1.1; letter-spacing: -.03em; margin: 0 0 14px; }
.lead { font-size: 19px; color: var(--ink-2); margin: 0 0 14px; }
.meta { display: flex; gap: 16px; flex-wrap: wrap; font-size: 13px; color: var(--ink-3); margin: 0 0 22px; }
.prose h2 { font-size: 25px; letter-spacing: -.02em; margin: 38px 0 10px; line-height: 1.25; }
.prose h3 { font-size: 19px; margin: 24px 0 6px; }
.prose p, .prose li { color: var(--ink-2); font-size: 17px; }
.prose li { margin: 6px 0; }
.prose strong { color: var(--ink); }
.toc { margin: 0 0 26px; padding: 16px 20px; border-radius: 16px; background: var(--surface); border: 1px solid var(--line); }
.toc p { margin: 0 0 6px; font-weight: 650; font-size: 14px; color: var(--ink); }
.toc ol { margin: 0; padding-left: 20px; } .toc li { font-size: 15px; margin: 3px 0; }
.note { margin: 22px 0; padding: 16px 18px; border-radius: 16px; background: var(--brand-soft); border: 1px solid color-mix(in srgb, var(--brand) 22%, transparent); }
.note strong { display: block; margin-bottom: 4px; color: var(--ink); }
.note p { margin: 0; font-size: 16px; }
.example { margin: 22px 0; padding: 18px 20px; border-radius: 16px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); }
.example h3 { margin-top: 0; }
.table-wrap { overflow-x: auto; margin: 18px 0; border-radius: 14px; border: 1px solid var(--line); background: var(--surface-solid); }
table { border-collapse: collapse; width: 100%; font-size: 15px; }
th, td { padding: 10px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--surface-2); font-size: 13px; font-weight: 650; color: var(--ink-2); }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
tr:last-child td { border-bottom: 0; }
.formula { font-family: var(--mono); font-size: 14.5px; padding: 12px 16px; border-radius: 12px; background: var(--surface-2); overflow-x: auto; white-space: nowrap; }
.faq details { border-radius: 16px; background: var(--surface); border: 1px solid var(--line); margin: 10px 0; padding: 4px 18px; }
.faq summary { cursor: pointer; font-weight: 650; padding: 12px 0; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 20px; color: var(--brand-ink); line-height: 1; }
.faq details[open] summary::after { content: "−"; }
.faq details > div { padding-bottom: 12px; }
.faq details p { margin: 0 0 8px; }
.sources { margin-top: 36px; padding-top: 14px; border-top: 1px solid var(--line); }
.sources h2 { font-size: 18px; margin-top: 0; }
.sources li { font-size: 14.5px; }
.related { padding: 20px 0 10px; }
.related h2 { font-size: 24px; letter-spacing: -.02em; }
.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; margin: 26px 0 48px; padding: 26px 28px; border-radius: 24px; color: #fff; background: linear-gradient(120deg, color-mix(in srgb, var(--brand) 92%, #000), color-mix(in srgb, var(--brand-2) 80%, #000)); box-shadow: var(--shadow-lg); }
.cta-band h2 { margin: 0 0 4px; font-size: 22px; } .cta-band p { margin: 0; opacity: .9; max-width: 40em; }
.cta-band .btn-primary { background: #fff; color: #2b1f9e; box-shadow: none; }
.page-404 { text-align: center; padding: 70px 0; }
.page-404 h1 { font-size: 56px; margin: 0; }

/* ---------- stopka */
.site-footer { margin-top: 30px; border-top: 1px solid var(--line); background: color-mix(in srgb, var(--surface-2) 55%, transparent); padding: 30px 0; font-size: 14px; color: var(--ink-3); }
.site-footer .wrap { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 30px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.site-footer a { color: var(--ink-2); }
.disclaimer { margin: 0 0 12px; } .copy { margin: 4px 0; }
@media (max-width: 760px) { .site-footer .wrap { grid-template-columns: 1fr; } }

/* ---------- druk */
@media print {
  .site-header, .site-footer, .hero, .how, .guides, .mobile-bar, .result-actions, .tip-act, .bg-mesh, .debts-actions, .example-flag, .advanced summary { display: none !important; }
  body { background: #fff; color: #000; }
  .calc-layout { display: block; } .step, .result { box-shadow: none; backdrop-filter: none; background: #fff; border: 1px solid #ccc; break-inside: avoid; margin-bottom: 12px; position: static; max-height: none; }
}